Debt Help


Are you looking for ways to get out of debt? Well, I think you have come to the right place. These articles focus on debt elimination techniques, getting out of credit card debt, minimizing debt damage, and other ways to get out of debt.

7 steps to get out of debt
The 7 steps that I am going to take you through are things that my wife and I have done to pay down our debts. Each article is fairly long, so you can feel free to bookmark it and come back later or you can download it as an ebook. If you are serious about getting out of debt, I recommend that you read each article, even though the first two are a bit less practical than the last five. I believe that they the first two include the keys to successfully getting out of debt.
The 7 Steps to getting out of debt

Getting out of Debt (Step 1) – Realize it is not about you
Getting out of Debt (Step 2) – Open your mind
Getting out of Debt (Step 3) – Create a balance sheet
Getting out of Debt (Step 4) – Quit over-spending
Getting out of Debt (Step 5) – 15 ways to cut expenses
Getting out of Debt (Step 6) – Make sacrifices
Getting out of Debt (Step 7) – Snowball your debt

If you go through these articles and just do some of the stuff mentioned, you are going to be in much better financial shape than you were before. But, I recommend that you sit down with each article and really spend some time with it. The last five articles are going to require some actions on your part. So, spend a couple weeks and make getting out of debt your new hobby and work hard at it! You will be rewarded for your efforts!

Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

Why you should get out of debt
Debt Snowball Software
How to negotiate with credit card companies
The Bible and Debt
Bankruptcy and the Bible
Reducing credit card interest rates
How to control spending
Learn how to say NO to yourself!
How to make a budget
Christians and Debt
6 Tips for a debt free Christmas
Money doesn’t solve money problems
How to quit spending more than you make
29 tips on getting out of debt from the readers
If you want to get out of debt you need Gazelle Intensity!
A good debt reduction strategy
My thoughts about credit card use
Money Mistake: Not paying attention to interest rates!

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!




















My Checklist To Financial Freedom

Download this free personal financial checklist here

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

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Is an AARP Membership Really Worth It?

is an AARP membership worth it? A look at the benefits and why you should just admit that you are now 50 and enjoy the perks!

When my husband started getting membership applications from AARP around his 49th birthday, he was the laughing stock of the family. “Ha, ha, dad,” the kids would jeer. “You’re officially old.” Not wanting to admit his advancing years, he threw the offers in the trash . . . .

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Free Debt Snowball Calculator and Spreadsheet

I just was making some updates to our budgeting spreadsheets page where we have a bunch of free Excel and Google Doc spreadsheets available.  While I was working on it and getting a few new ones added to the page I stumbled upon this Debt snowball calculator for Excel and it is really cool. As […]

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5 Student Loan Forgiveness Programs for Nurses, Teachers, Military, and Others

5 student loan forgiveness programs

Lately I have been talking to a lot of folks who are heavily burdened by their student loan debts – some of whom have over $100,000 in student loan debt. And while I believe, according to scripture, we are to pay back our debts, if they are forgiven by the lender then we are off […]

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What Is A Good Credit Score? And More Info Than You Ever Wanted To Know About Them

Credit Score

Jeff Rose is a Certified Financial Planner and Iraqi Combat Veteran.  He is also the author of Soldier of Finance: Take Charge of Your Money and Invest in Your Future.  A lot has changed with credit scores in the last few years. Both the credit repositories, and the companies who use them, are redefining credit scores […]

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When to Reach Out For Financial Help

FaithWorks Financial

If you’ve been following ChristianPF for any length of time you know that we are huge advocates of paying down your debt the old fashioned way, and we believe that as hard as it is, it is worth the fight. Running this site for over 6 years now, I’ve interacted with thousands of readers, some […]

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Get Out Of Debt With The Debt Snowball Method

getting-started-logo-225

Creating a debt snowball is my preferred method of getting out of debt. The strength of using this method is that it focuses on the behavioral side of finance rather than the mathematical. Since we are not robots that always do exactly what we know we should, I recommend this method for most people.

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Why I Think You Should Set A Goal

Why you should set a goal

Have you ever wondered how setting a goal and following God’s will can co-exist? After all, what is the point setting a goal that isn’t what God is wanting for us?

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How “John and Jane” Achieved Financial Peace

couple (1)

My friends “John and Jane” (names changed) have been undergoing a huge financial transformation these past few months. They have not only paid off thousands of dollars of debt, but, more importantly, they have discovered a peace they never dreamed possible. How did they do this?

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Andy Stanley’s ‘Balanced’ Series

Andy Stanley Balanced

Earlier this year I listened to Andy Stanley’s ‘Balanced’ 6-part financial series for the second time. And I thought to myself, “I have got to find a way to share this with the readers.”

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6 Simple Ways You Can Improve Your Credit Score

Credit Score

If your credit score has fallen recently, due to a missed payment or two, or perhaps you have too much credit outstanding, there are some simple ways you can improve on your credit score that will get it back on the right track. Doing a combination of several of these could see your credit score rise significantly in just the next few months – and that goes for your credit score at each credit repository.

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The Problem With Low Monthly Payments

Easy, Low Payments

Whether you are considering debt consolidation loans to reduce your credit card payments or a long term car loan to keep payments manageable, don’t be duped into thinking that low monthly payments are a good thing. Yes, on the surface, those affordable payments sound like a great idea, but, for a number of reasons, they can be your downfall.

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Should You Use Your Emergency Savings to Pay Off Debt?

Emergency Fund Broken

This past year our family experienced more medical expenses than planned. Nevertheless, we made it through the year just fine. I was thankful we didn’t end up accumulating any credit card debt. I know that can’t be the case for everyone . . . so should you use your emergency fund to pay off debt?

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